There is a world of difference between the ad hominem fallacy and an insult. The ad hominem fallacy is bad reasoning. But insults are the spice of life and cathartic for the soul.
Lady Nancy Astor: If I were your wife I would put poison in your coffee!
Winston Churchill: And if I were your husband I would drink it!
Lady Nancy Astor: If I were your wife I would put poison in your coffee!
Winston Churchill: And if I were your husband I would drink it!